Building Block Capital provides small business loans and equipment financing from $5,000 to $5,000,000 with same-day quotes and next-day funding for businesses nationwide.
Data compiled from public sources · Rating from CreditDoc methodology
Building Block Capital has been operating in the business lending space since 2016, positioning itself as an alternative to traditional bank lenders for small business owners seeking quick access to capital. The company has funded over 8,000 businesses and distributed more than $150 million in total funding across various industries and communities throughout the United States.
The company offers two primary lending products: Small Business Loans ranging from $5,000 to $500,000 for working capital needs including inventory, marketing, payroll, and taxes, and Equipment Financing and Leasing also in the $5,000 to $500,000 range for purchasing or leasing new or used equipment. Building Block Capital advertises the ability to provide up to $5,000,000 in total business funding. Their online application process takes under 5 minutes, with same-day quotes and same-day or next-day funding promised. They serve multiple industries including convenience stores, medical practices, dental practices, restaurants, commercial businesses, and hotels/motels.
Building Block Capital differentiates itself by emphasizing speed and simplicity compared to traditional bank lenders. They highlight a streamlined online application process that avoids lengthy paperwork, same-day approval decisions, and next-day funding capabilities. The company claims a 99% client satisfaction rating and 4.6/5 star rating based on customer reviews. Their marketing emphasizes personalized service with loan specialists available via phone at (877) 386-3035 and willingness to work with businesses that may have difficulty obtaining bank financing.
While Building Block Capital presents attractive speed and accessibility features, potential borrowers should note that the website does not disclose specific terms, interest rates, fees, or repayment structures. The company's origins in "cash advance" lending and the emphasis on speed over transparency raises questions about pricing that typical small business lenders would clearly display. Customer testimonials are positive but limited in detail regarding actual loan terms. Businesses should request complete disclosure of APR, fees, and repayment schedules before committing.
Yes. Building Block Capital is a registered company, headquartered in Los Angeles, CA.
Results vary by individual situation. Contact the provider to discuss expected timelines for your specific needs.
CreditDoc Diagnosis
Building Block Capital is best for small business owners who need fast access to capital and cannot wait for traditional bank loan processes, with the caveat that borrowers must request complete disclosure of actual APR, fees, and total borrowing costs before accepting any offer, as the website does not transparently display pricing information typical of legitimate small business lenders.
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.
Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.
Example
A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.
Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.
Example
You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the fastest way to reduce your total cost and pay off a loan early.
Example
You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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